Coverage
Medicare, without the guesswork.
A full line of senior products, reviewed with you in your own home —
and never a fee for our service.
- Never a fee for our service
- Local & national carriers
- In-home consultation
- Same advisor, year after year
Get in touch
A licensed advisor answers — not a
call center.
In-home consultations across the Pittsburgh area.
HBS has a full line of senior products. Experienced HBS specialists will analyze your situation
through an in-home consultation. There is never a fee for our service.
Need help finding the right Medicare plan?
- Whether it's a Medicare Advantage plan or a Medicare supplement health insurance plan, we can help.
- HBS represents both local and national carriers.
- The advisor who sets up your plan is the one who reviews it with you next year.
Because we’re independent, we compare plans across every carrier we represent — not the single
company a captive agent is contracted to sell.
Where are you starting from?
Turning 65
You’re approaching eligibility for
the first time and need to know
what you have to do, what’s
optional, and by when.
Already enrolled
Your plan changed, your
premium went up, or a doctor
left the network — and you want
to know what else is out there.
Helping a parent
You’re sorting this out for
someone else. We’re happy to
have you on the call, with their
permission.
The parts of Medicare Simplified
Medicare is split into parts, and only some of them are things you buy from an agency. Here’s who provides
what.
Original Medicare — from the government
Hospital insurance
Inpatient hospital stays, skilled nursing facility care, and hospice. Usually premium-free if you've paid Medicare taxes long enough.
Enroll through Social Security
Medical insurance
Doctor visits, outpatient care, preventive services, and durable medical equipment. Carries a monthly premium.
Enroll through Social Security
What HBS shops for you — from private carriers
Medicare Advantage
An all-in-one alternative that delivers your Part A and B benefits through a private carrier, usually bundling drug coverage and extras.
We compare across carriers
Prescription drugs
Standalone drug coverage. We check your actual prescription list against each plan's formulary before recommending one.
We compare across carriers
Medigap supplement
Not a "part" — a separate policy that sits alongside Original Medicare and picks up costs it leaves behind, like coinsurance and deductibles.
We compare across carriers
Dental, vision & hearing
Often excluded from Original Medicare. Available as add-on policies, or already built into some Advantage plans.
We compare across carriers
Which combination fits depends on your doctors, your prescriptions, and how much you travel. That’s
the conversation, not a form.
How it works
Tell us about you
Your doctors, your
prescriptions, your budget,
and how you actually use
care.
We compare carriers
Your advisor shops the
local and national
carriers we represent for
your best-fit plans.
Review your options
We walk through each
plan in plain English — in
your home, at our office,
or by phone.
Enroll with support
We handle the
paperwork and stay on
call after you’re covered,
through renewals and
claims.
What to have ready
None of this is required to call us — but having it handy makes the first conversation much shorter.
-
Your Medicare card
Or your Social Security number if you haven't enrolled yet. -
Your doctors
Anyone you want to keep seeing, so we can check networks before you switch. -
Any current plan details
If you're already covered, so we can compare like for like.
-
Your prescriptions
Names and dosages — this is what separates a good drug plan from a bad one. -
Your pharmacy
Preferred pharmacies affect drug costs more than most people expect. -
Your questions
Write them down. People forget them on the call every time.
Who you'd be working with
Medicare is the specialty most of our team was hired for. A few of the advisors who handle it:
Joseph Cox
Managing Partner
Chris Zappa
Partner
Joe Masucci
Broker
Lynn Groomes
Broker
HBS found me a Medicare Advantage plan that saved me over $200 a month.
They explained everything without the sales pressure.
Linda M. — Medicare client
Common questions
Nothing. There is never a fee for our service — carriers compensate us directly, so your premium is the same whether you work with us or enroll on your own.
No. Most of our Medicare reviews happen at the client’s kitchen table. We’ll come to you anywhere in the Pittsburgh area, meet at our Moon Township office, or handle it by phone — whichever you prefer.
HBS is an independent agency. We represent both local and national carriers and compare plans across all of them rather than steering you toward one company. Ask your advisor for the current list — it changes as carriers enter and leave the market each year.
A Medicare Advantage plan delivers your Part A and B benefits through a private carrier, usually with drug coverage built in and a network of doctors. A Medicare supplement (Medigap) works alongside Original Medicare and pays the costs it leaves behind, with no network — but you’ll typically add a separate drug plan. Which is better depends on your doctors, prescriptions, and budget. That’s the first thing we work through with you.
Yes. The advisor who enrolls you is the one who reviews your plan with you every year, answers questions, and helps with claims. No call center, no reassignment.
Get Insurance Quotes
Tell us a bit about what you need — a licensed advisor follows up with real options, not a form letter.
How can HBS help you?
One agency, every policy that matters
Jump to whichever fits your situation — or call and we’ll work it out with
you.
Individual Health
Affordable Care Act and off-
marketplace plans.
Home & Auto
Erie, Progressive, Safeco and
many more.
Group Products
Group rates for companies from 2–
100 employees.
Dental
Dental, vision, and hearing through
Nationwide, Delta Dental, and
more.
Talk to a human
Have a question? We're here to help.
Reach out directly — a licensed advisor answers, not
a call center.
